According to Enroll America, its staff and volunteers directly contacted nearly 874,000 consumers around the country during the second open enrollment, up 37% from the previous enrollment cycle.

Many of those who badly needed insurance, what pundits called “low-hanging fruit,” are now covered, but those remaining uncovered will be harder to reach through Enroll America’s traditional avenues.

A complaint against Enroll America is that the group gets people enrolled in any plan, but not necessarily the best plan for them. The nonprofit can be considered a direct competitor to agents, who have more at stake with a beneficiary than a group primarily concerned with tallying enrollment figures.

As the non-profit shrinks due to decreased funding, agents will take on an even larger role in assisting those eligible in enrolling. As the individual mandate grows, there becomes a greater and greater potential disincentive to remain uninsured.